EA Sports FC 26

With FC 26 Season 4 – Italy '90 now live, many Ultimate Team players are debating whether unlocking the Premium Pass is a smart investment. This seasonal content costs 500,000 coins or 1,000 FC Points in Ultimate Team and unlocks an expanded track of rewards beyond the free ladder. But with so many currencies, packs, and featured cards floating around in the current meta, the big question is: Is the Premium Pass really worth buying? For those looking to quickly boost their resources, you can buy FC 26 coins on Z2U to get a head start in completing the Premium track.

What You Get with the Premium Pass

First, it's important to understand what the Premium Pass offers in Season 4 compared to the free track:

Extra Packs & Higher-Rated Packs: Premium holders receive more tradeable packs, including rare high-rated packs that aren't available on the free side. 

Exclusive Player Rewards: There are special World Tour player cards such as Federico Bernardeschi, Svenja Huth, Moise Kean, Benjamin Henrichs, and Kai Havertz. 

Evolution Items: Premium includes evolution consumables and playstyle upgrades that can improve how players perform on the pitch. 

TOTY Hero Card: At the top of the Premium track, you can unlock the Daniele De Rossi TOTY Honorable Mention Hero or an alternative high-rated pack. 

These rewards are layered on top of what every player earns through the free pass, meaning the Premium adds significant content for those committed to climbing the full 40 levels.

Arguments In Favor of the Premium Pass

There are several reasons why players might find the Premium Pass worthwhile:

1. Greater Overall Value

Many players point out that the Premium track hands out more tradable assets, including packs that can yield valuable players or be sold on the Transfer Market. These packs can sometimes offset the cost you paid in coins, especially if you open or trade successfully. 

2. Unique and Exclusive Rewards

Several player items and evolution consumables are exclusive to the Premium tier. For players who enjoy building thematic squads (like Italy '90 legends or German/Italian combinations), these cards can be exciting additions that you wouldn't otherwise get. 

3. SP Boost Helps Progress

When you buy the Premium Pass, you receive extra Season Points (SP) that accelerate your progress through both the free and paid tracks, letting you unlock rewards faster. 

For players who consistently play throughout the entire Season — completing weekly and daily objectives — this boost can feel like a meaningful advantage that justifies the upfront cost.

Arguments Against Buying the Pass

Despite these benefits, many critics argue that the Premium Pass isn't worth the price, especially in Season 4:

1. High Cost for Limited Benefit

One of the most common points is that 500,000 coins is a hefty price in the current market. According to several analysts, you can often use that same amount to purchase better players directly on the Transfer Market rather than slowly grinding through the Pass. 

In other words, you could build a competitive squad outright with half a million coins instead of banking on packs and seasonal rewards.

2. Free Pass Rewards Are Strong Too

The free ladder in Season 4 is more generous than previous seasons, offering a solid selection of packs, evolutions, and rewards that help improve squad depth. Because of this, some argue that the free track alone can satisfy most players without spending coins. 

3. Questionable Reward Impact

The featured Hero card — Daniele De Rossi — is a cool collectible, but some reviewers suggest it may not significantly impact competitive play for many users, especially by the time you reach level 40. 

At that point in the Season, many players already have their main team built, reducing the utility of a late-game reward.

Who Should Buy the Premium Pass?

So, is it worth it? The answer depends heavily on your play style and goals:

Buy it if:

You play regularly and plan to complete most objectives.

You enjoy collecting exclusive cards and evolution items.

You want to push for every reward and don't mind investing coins early.

Skip it if:

You're casual or won't grind the Season Points.

You'd rather use your coins to improve your squad immediately.

You feel the free track offers enough value for your needs.

If you're concerned about the high cost of purchasing the FC 26 Season 4 Premium Pass, you can choose to top up FC 26 points on Z2U first, which will save you some money.

Conclusion

The Season 4 Premium Pass delivers more cards, evolutions, and unique items compared to the free pass — and for dedicated players, that can be enough to justify the cost. However, when balanced against how much coins are worth on the Transfer Market and the strength of free rewards, it's not an obvious purchase for everyone. For many players, the smartest strategy may be to push the free track first, then decide later in the season if the Premium unlock makes sense based on how far you've progressed.